Overview
On Point Credit Fix is a credit repair firm that has one of the largest list of services out of the credit repair companies we looked at for these reviews. They were founded by attorneys, and our research has indicated that lawyer-run credit repair firms generally fare better than those founded by financial experts.
Pros
The first advantage they have is they will refined customers if they aren’t able to help them get items removed from their credit reports. This gives them a boost in our rankings because it shows that they are focused on helping consumers and not on making money. We really like to see these kinds of assurances in the credit repair industry because so much of the credit repair process involves things that the credit repair firm nor the customer has any control over.
On Point Credit Fix also gained points in our review because they have custom disputes instead of form letters. This shows two things, a focus on the customer as an individual and a dedication to getting the best results for each customer. This moves them up several places in our rankings of credit repair companies, and speaks strongly to the customer service and satisfaction that clients can expect from the firm.
The last pro we’d like to note is that they received good marks for customer service. Many of the best credit repair companies we reviewed showcased solid customer service, which is important because the credit, credit reporting, and credit repair processes can be so confusing.
Cons
On Point Credit Fix isn’t perfect. The first issue we have is their website is outdated and lacks the ease of use that we expect from a modern, professional company. In the modern age web development has design has never been easier, so there’s no excuse for a poorly thought out or organized website. As a result, the poor quality of the website raises important questions as to the company’s dedication to their customers and the professionalism of their services.
On Point Credit Fix also lost some points in our review because their fees and rates for services aren’t described on their website, which means that customers will have to set up an appointment or call in to get more information. We don’t like this sales tactic, as customers are more likely to sign up with a service once they’ve shared information, so we view this as a negative when it comes to credit repair services.
On Point Credit Fix also gets bumped down a few rankings because they don’t have the detailed list of services that we want to see from the best credit repair companies. A detailed services list is a good indicator of the resources a company is willing to put into the repair process, and is important when judging the value-for-money of their services. Companies that have a clear list of the services they offer generally did better in terms of the customer service and satisfaction ratings they got from us, other reviewers, and customers.
Verdict
On Point Credit Fix seems like a good choice for credit repair services. They have a number of innovative options that other companies lack. Their focus on the consumer as an individual means that we expect top notch quality from them. However, their lack of pricing information and transparency means that we can’t do a fair evaluation of the value they offer, not can we compare their prices to other credit repair companies, knocking them down a few points in our review.
